Interpretation

Words with initial capital letters have meanings defined under the following conditions. Definitions have the same meaning whether they appear in singular or plural.

Definitions

For the purposes of these Terms and Conditions:

• Affiliate means an entity that controls, is controlled by, or is under common control with a party.

• Company (Debt Relief Hub, “we”, “us”, or “our”) refers to YOUR_COMPANY_NAME.

• Device means any device that can access the Service (e.g., computer, phone, tablet).

• Service refers to the website accessible at https://YOUR_DOMAIN.

• Terms and Conditions (“Terms”) are this agreement between you and the Company.

• You means the individual, or the entity on whose behalf the individual uses the Service.

These Terms govern your use of the Service and form a binding agreement between you and the Company. By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part, do not use the Service. You represent that you are at least 18 years old.

Your use of the Service is also conditioned on your acceptance of our Privacy Policy.

Any promotions or offers made available through the Service may be governed by rules separate from these Terms. If you participate, review the applicable rules. If the rules conflict with these Terms, the promotion rules apply.

The Service and its original content (excluding content provided by users), features, and functionality are and will remain the exclusive property of the Company and its licensors, and are protected by applicable laws. Our trademarks and trade dress may not be used without our prior written consent.

The Service may contain links to third-party websites or services not owned or controlled by the Company. We have no control over, and assume no responsibility for, their content, privacy policies, or practices. You acknowledge and agree that we shall not be liable for any damage or loss caused by or in connection with use of such content, goods, or services. Review the terms and privacy policies of any third-party sites you visit.

We may suspend or terminate your access immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the Service ceases immediately.

To the maximum extent permitted by law, the Company and its suppliers shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Service; (ii) any conduct or content of any third party on the Service; (iii) any content obtained from the Service; and (iv) unauthorized access, use, or alteration of your transmissions or content.

In any case, the Company’s aggregate liability shall be limited to the amount you paid through the Service in the twelve (12) months preceding the claim, or $100 if you have not made any such payments.

The Service is provided on an “AS IS” and “AS AVAILABLE” basis without warranties of any kind, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, secure, or free of harmful components.

These Terms shall be governed by the laws applicable in the jurisdiction in which YOUR_COMPANY_NAME is established, without regard to conflict of law provisions. Your use may also be subject to other local, state, national, or international laws.

If you have any concern or dispute, you agree to first try to resolve it informally by contacting us at CONTACT_EMAIL.

EU/UK Consumers: You may benefit from mandatory provisions of the law of your country of residence.

U.S. Compliance: You represent you are not located in a sanctioned country and are not a prohibited party under U.S. law.

Severability

If any provision is held unenforceable or invalid, that provision will be modified and interpreted to accomplish its objective to the greatest extent possible, and the remaining provisions will remain in full force and effect.

Waiver

Failure to exercise any right or require performance of an obligation shall not affect a party’s ability to exercise such right or require such performance at any time thereafter, nor shall waiver of a breach constitute waiver of any subsequent breach.

We may modify these Terms at any time. Changes are effective when posted on this page with an updated “Last updated” date. Your continued use of the Service after changes become effective constitutes acceptance of the revised Terms.